REPORT OF EXAMINATION OF THE 2-10 HBW WARRANTY OF CALIFORNIA, INC. AS OF DECEMBER 31, 2010

Save this PDF as:

Size: px
Start display at page:

Download "REPORT OF EXAMINATION OF THE 2-10 HBW WARRANTY OF CALIFORNIA, INC. AS OF DECEMBER 31, 2010"

Transcription

1 REPORT OF EXAMINATION OF THE 2-10 HBW WARRANTY OF CALIFORNIA, INC. AS OF DECEMBER 31, 2010 Filed April 20, 2012

2 TABLE OF CONTENTS PAGE SCOPE OF EXAMINATION... 1 COMPANY HISTORY... 2 MANAGEMENT AND CONTROL:... 2 Management Agreements... 4 TERRITORY AND PLAN OF OPERATION... 5 REINSURANCE... 6 FINANCIAL STATEMENTS:... 6 Statement of Financial Condition as of December 31, Underwriting and Investment Exhibit for the Year Ended December 31, Reconciliation of Surplus as Regards Contract Holders from December 31, 2005 through December 31, COMMENTS ON FINANCIAL STATEMENT ITEMS: Claims Adjusted and Unpaid or in Process of Adjustment SUMMARY OF COMMENTS AND RECOMMENDATIONS: Current Report of Examination Previous Report of Examination ACKNOWLEDGMENT... 11

3 Los Angeles, California January 20, 2012 Honorable Dave Jones Insurance Commissioner California Department of Insurance Sacramento, California Dear Commissioner: Pursuant to your instructions, an examination was made of the 2-10 HBW WARRANTY OF CALIFORNIA, INC. (hereinafter also referred to as the Company) at the primary location of its books and records, East Harvard Avenue, Denver, Colorado SCOPE OF EXAMINATION We have performed our single-state examination of the Company. The last examination was completed as of December 31, This examination covers the period from January 1, 2006 through December 31, The present examination included a review of the Company s practices and procedures, examination of managements records, test and analysis of detailed transactions and an evaluation of assets and a determination of liabilities as of December 31, 2010, as deemed necessary under the circumstances. In addition to those items specifically commented upon in this report, other phases of the Company s operations were reviewed including the following areas that require no further comment: corporate records; fidelity bonds and other insurance; pensions, stock ownership and insurance plans; growth of company; loss experience; accounts and records; statutory deposits; and sales and advertising.

4 COMPANY HISTORY The Company is a member of an insurance holding company system. On July 27, 2009, an ownership restructuring transaction took place which resulted in a change in the ultimate ownership of the Company. The new ultimate controlling company of the insurance holding company system, effective July 27, 2009, is SP HBW Holdco, LLC, a Delaware limited liability company holding 37% interest, along with other equity holders, all of which hold less than ten percent equity interest. This change is ownership structure affected only the indirect parents of the Company. The Company continues to be a wholly-owned subsidiary of HBW Services, LLC. HBW Services, LLC remains a wholly-owned subsidiary of Arias Acquisitions, Inc., which remains 100% owned by HBW Holdings, Inc. This transaction was approved by the California Department of Insurance (CDI) on May 28, On January 24, 2008, the Company paid an extraordinary cash dividend of $2 million to its parent, HBW Services, LLC. This dividend was approved by the CDI. In December 2009, the Company paid an ordinary cash dividend of $490,332. In 2010, the Company declared an ordinary cash dividend of $696,000 that was paid during the first quarter of MANAGEMENT AND CONTROL The Company is a wholly-owned subsidiary of HBW Services, LLC, a Delaware limited liability company. The following organizational chart depicts the Company s relationship within the holding company system: 2

5 Other Equity Holders SP HBW HOLDCO, LLC 63% 37% 90% ARIAS HOLDINGS, LLC (Delaware) 2-10 HOLDCO, Inc. (Delaware) Restricted Stock Unit Holders 10% 99.91% BRERA HBW, LLC 0.01% HBW Insurance Group, Inc. (Delaware) HBW Holdings, Inc. (Delaware) Red Rocks Builders, Inc. (Colorado) 95% Arias Acquisitions, Inc. (Florida) New Home Warranty Insurance Company, A Risk Retention Group (District of Columbia) Builder Members 5% HBW Services, LLC (Delaware) Home Buyers Warranty Corporation (Colorado) Home Buyers Warranty Corporation VI (Florida) HBW Insurance Services, LLC (Georgia) Bridgeworks Commercial Management, LLC (In Runoff) (Georgia) HBW Warranty Administration, LLC (Delaware) Home Buyers Resale Warranty Corporation (Michigan) 2-10 Home Buyers Warranty of Oklahoma, Inc. (Oklahoma) 2-10 Home Buyers Warranty of Virginia, Inc. (Virginia) 2-10 HBW Warranty of California, Inc. (California) Home Buyers Warranty Corporation III (Colorado) HBW Insurance Services of Texas, Inc. (Texas) HBW Insurance Services, LLC Dissolved 1/28/09 (Arizona) *All ownership is 100% unless otherwise noted. Management of the Company is vested in a two-member board of directors elected annually. A listing of the members of the board and principal officers serving on December 31, 2010 follows: 3

6 Directors Name and Residence Michael G. Bartosch Highlands Ranch, Colorado Mark C. Lewis Centennial, Colorado Principal Business Affiliation President 2-10 HBW Warranty of California, Inc. Treasurer and Chief Financial Officer 2-10 HBW Warranty of California, Inc. Principal Officers Name Michael G. Bartosch Joan M. Riordan Mark C. Lewis Scott J. Cromie Curtis J. Addison Scott D. Zinn Paul G. Zuckerman(*) Title President Secretary Treasurer and Chief Financial Officer Vice President Vice President - Finance Senior Vice President Sales & Marketing Vice President and Corporate Controller (*) Resigned effective 5/6/2011. No replacement has been named. Management Agreements Management Agreement: The Company is a party to a Management Agreement (Agreement) dated March 1, 1993 with its affiliate, Home Buyers Resale Warranty Corporation (HBRWC), a Michigan corporation. Services provided by HBRWC include: claims, underwriting, accounting, and data processing. Claims processing costs are allocated to the Company based on its proportionate share of paid claims among the affiliates. Compensation for all other services is determined by allocating HBRWC s administrative and overhead costs proportionally based upon gross revenue among the companies for which HBRWC performs these services. This agreement was filed and approved by the California Department of Insurance (CDI) as required under California Insurance Code (CIC) Section (b)(4). Under the terms of the agreement the following fees were paid: $823,166 in 2006, $676,509 in 2007, $711,326 in 2008, $689,728 in 2009, and $549,081 in

7 Marketing Agreement: The Company has a Marketing Agreement dated January 1, 1999 with its affiliate, HBRWC. Under the terms of the agreement, HBRWC provides a marketing program for the Company s resale home protection contracts. HBRWC receives a fee of 17% of the cost of each home warranty contract for full-time resale specialists and 8% for part-time resale specialists. This agreement was filed and approved by the CDI as required under CIC Section (b)(4). Fees paid under this agreement were: $766,373 in 2006, $811,885 in 2007, $634,045 in 2008, $584,108 in 2009, and $504,457 in Tax Consolidation Agreement: Subsequent to the examination date, on September 20, 2011 the CDI approved the Company s Form D filing exemption request regarding a new tax consolidation agreement. The Company s new Tax Consolidation Agreement, effective December 31, 2010, is between 2-10 Holdco, Inc., the Company s higher tiered parent, and each of its subsidiaries which qualify for consolidated tax return treatment. The terms of the new agreement remains identical to the agreement previously approved by the CDI on May 15, 2002, other than the addition of new affiliated companies and deletion of affiliated companies due to dissolution or merger. Home Buyers Warranty Corporation, a Colorado corporation, remains the affiliate responsible for making federal income tax estimates and final payments on behalf of the affiliated group. Under the terms of the agreement, each company shall compute its separate tax liability as if it had filed a separate tax return. TERRITORY AND PLAN OF OPERATION The Company is licensed to transact home protection business only in the State of California. In 2010, the Company had direct written premiums of approximately $2.8 million. The Company specializes in resale business and utilizes sales representatives to market its product through the real estate community. The basic warranty contract is generally one year in length and covers major mechanical and plumbing systems as well as certain appliances for single-family residential units and multi residential units. 5

8 REINSURANCE The Company has no assumed or ceded reinsurance in force. FINANCIAL STATEMENTS The financial statements prepared for this examination report include: Statement of Financial Condition as of December 31, 2010 Underwriting and Investment Exhibit for the Year Ended December 31, 2010 Reconciliation of Surplus as Regards Contract Holders from December 31, 2005 through December 31,

9 Statement of Financial Condition as of December 31, 2010 Ledger and Nonledger Assets Not Net Admitted Assets Assets Admitted Assets Note Bonds $ 4,051,775 $ $ 4,051,775 Cash and short-term investments 663, ,392 Home protection contract fees receivable 511,505 6, ,448 Receivables from Parents Subsidiaries and Affiliates 12,433 12,433 Interest income due and accrued 27,395 27,395 Total assets $ 5,266,500 $ 18,490 $ 5,248,010 Liabilities, Surplus and Other Funds Claims adjusted and unpaid or in process of adjustment $ 126,417 (1) Other expenses 212,401 Federal income taxes 143,799 Unearned home protection contract fees 1,318,751 Total liabilities 1,801,368 Common capital stock $ 200,000 Gross paid in and contributed surplus 250,000 Unassigned funds (surplus) 2,996,642 Surplus as regards contract holders 3,446,642 Total liabilities, surplus and other funds $ 5,248,010 7

10 Underwriting and Investment Exhibit for the Year Ended December 31, 2010 Statement of Income Underwriting Income Home protection contract fees earned $ 3,129,124 Deductions: Claims incurred $ 1,331,708 Claims service expense incurred 250,904 Other underwriting expenses incurred 1,079,653 Total underwriting deductions 2,662,265 Net underwriting gain 466,859 Investment Income Net investment income earned $ 108,616 Net realized capital loss (10) Net investment gain 108,606 Other Income Miscellaneous (finance charge income) $ 93,473 Total other income 93,473 Net income before federal income taxes 668,938 Federal income taxes incurred (172,133) Net income $ 841,071 Capital and Surplus Account Surplus as regards contract holders, December 31, 2009 $ 2,617,337 Net income $ 841,071 Change in nonadmitted assets (11,766) Change in surplus as regards contract holders for the year 829,305 Surplus as regards contract holders, December 31, 2010 $ 3,446,642 8

11 Reconciliation of Surplus as Regards Contract Holders from December 31, 2005 through December 31, 2010 Surplus as regards contract holders, December 31, 2005 per Examination $ 2,200,109 Gain in Surplus Loss in Surplus Net income $ 3,747,580 $ Change in nonadmitted assets 10,715 Dividend paid 2,490,332 Totals $ 3,747,580 $ 2,501,047 Net increase in surplus as regards contract holders 1,246,533 Surplus as regards contract holders, December 31, 2010, per Examination $ 3,446,642 9

12 COMMENTS ON FINANCIAL STATEMENT ITEMS (1) Claims Adjusted and Unpaid or in Process of Adjustment Based on a review of claims payments and reserves subsequent to the examination date, the reserves for the above captioned account appear to be reasonable and have been accepted for purposes of this examination. SUMMARY OF COMMENTS AND RECOMMENDATIONS Current Report of Examination None Previous Report of Examination Management and Control (Page 3): Although the Company's bylaws were amended in 2002 to change the number of board members to one, it was recommended that the Company amend its bylaws to require additional directors. The Company has complied. Corporate Records (Page 4): It was recommended that the Company implement procedures to ensure that specific references to amounts, facts, and the value of the securities are documented in its board minutes to comply with California Insurance Code (CIC) Section The Company has complied. Corporate Records (Page 4): It was recommended that the Company implement procedures to ensure future compliance with CIC Section 735. The Company has complied. Cash on Hand and on Deposit (Page 9): It was recommended that the Company establish written escheat procedures, transfer stale checks to an escheatable account, and escheat unclaimed property to the State of California Controller s Office as required by the California Unclaimed Property Act. The Company has complied. 10

13 ACKNOWLEDGMENT Acknowledgment is made of the cooperation and assistance extended by the Company s officers and employees during the course of this examination. Respectfully submitted, /S/ Sunny Ko, AFE Examiner-In-Charge Associate Insurance Examiner Department of Insurance State of California 11

REPORT OF EXAMINATION OF THE BUYERS HOME WARRANTY COMPANY AS OF DECEMBER 31, 2006

REPORT OF EXAMINATION OF THE BUYERS HOME WARRANTY COMPANY AS OF DECEMBER 31, 2006 REPORT OF EXAMINATION OF THE BUYERS HOME WARRANTY COMPANY AS OF DECEMBER 31, 2006 Filed February 26, 2008 TABLE OF CONTENTS PAGE SCOPE OF EXAMINATION... 1 COMPANY HISTORY... 2 MANAGEMENT AND CONTROL:...

More information

REPORT OF EXAMINATION OF THE SAFEWAY DIRECT INSURANCE COMPANY AS OF DECEMBER 31, 2010

REPORT OF EXAMINATION OF THE SAFEWAY DIRECT INSURANCE COMPANY AS OF DECEMBER 31, 2010 REPORT OF EXAMINATION OF THE SAFEWAY DIRECT INSURANCE COMPANY AS OF DECEMBER 31, 2010 Filed June 5, 2012 TABLE OF CONTENTS PAGE SCOPE OF EXAMINATION... 1 MANAGEMENT AND CONTROL:... 2 Management Agreements...

More information

REPORT OF EXAMINATION OF THE VETERINARY PET INSURANCE COMPANY AS OF DECEMBER 31, 2011

REPORT OF EXAMINATION OF THE VETERINARY PET INSURANCE COMPANY AS OF DECEMBER 31, 2011 REPORT OF EXAMINATION OF THE VETERINARY PET INSURANCE COMPANY AS OF DECEMBER 31, 2011 Filed September 26, 2012 TABLE OF CONTENTS PAGE SCOPE OF EXAMINATION... 1 COMPANY HISTORY... 2 MANAGEMENT AND CONTROL:...

More information

REPORT OF EXAMINATION OF THE RESPONSE INDEMNITY COMPANY OF CALIFORNIA AS OF DECEMBER 31, 2014

REPORT OF EXAMINATION OF THE RESPONSE INDEMNITY COMPANY OF CALIFORNIA AS OF DECEMBER 31, 2014 REPORT OF EXAMINATION OF THE RESPONSE INDEMNITY COMPANY OF CALIFORNIA AS OF DECEMBER 31, 2014 Filed on April 29, 2016 TABLE OF CONTENTS PAGE SCOPE OF EXAMINATION... 1 COMPANY HISTORY:... 2 Capitalization...

More information

New Home Warranty Insurance Company, A Risk Retention Group

New Home Warranty Insurance Company, A Risk Retention Group GOVERNMENT OF THE DISTRICT OF COLUMBIA DEPARTMENT OF INSURANCE, SECURITIES AND BANKING REPORT ON EXAMINATION New Home Warranty Insurance Company, A Risk Retention Group AS OF DECEMBER 31, 2014 NAIC NUMBER

More information

REPORT OF EXAMINATION OF THE FIRST AMERICAN HOME BUYERS PROTECTION CORPORATION AS OF DECEMBER 31, 2010

REPORT OF EXAMINATION OF THE FIRST AMERICAN HOME BUYERS PROTECTION CORPORATION AS OF DECEMBER 31, 2010 REPORT OF EXAMINATION OF THE FIRST AMERICAN HOME BUYERS PROTECTION CORPORATION AS OF DECEMBER 31, 2010 Filed May 17, 2012 TABLE OF CONTENTS PAGE SCOPE OF EXAMINATION... 1 SUBSEQUENT EVENT... 2 COMPANY

More information

REPORT OF EXAMINATION OF THE FIDELITY NATIONAL HOME WARRANTY COMPANY AS OF DECEMBER 31, 2010

REPORT OF EXAMINATION OF THE FIDELITY NATIONAL HOME WARRANTY COMPANY AS OF DECEMBER 31, 2010 REPORT OF EXAMINATION OF THE FIDELITY NATIONAL HOME WARRANTY COMPANY AS OF DECEMBER 31, 2010 Filed: March 30, 2012 TABLE OF CONTENTS PAGE SCOPE OF EXAMINATION... 1 SUMMARY OF SIGNIFICANT FINDINGS... 2

More information

REPORT OF EXAMINATION OF THE SAN DIEGO INSURANCE COMPANY AS OF DECEMBER 31, 2008

REPORT OF EXAMINATION OF THE SAN DIEGO INSURANCE COMPANY AS OF DECEMBER 31, 2008 REPORT OF EXAMINATION OF THE SAN DIEGO INSURANCE COMPANY AS OF DECEMBER 31, 2008 Filed June 1, 2010 TABLE OF CONTENTS PAGE SCOPE OF EXAMINATION... 1 COMPANY HISTORY... 2 MANAGEMENT AND CONTROL:... 2 Management

More information

REPORT OF EXAMINATION OF THE PACIFIC SELECT PROPERTY INSURANCE COMPANY AS OF DECEMBER 31, 2010

REPORT OF EXAMINATION OF THE PACIFIC SELECT PROPERTY INSURANCE COMPANY AS OF DECEMBER 31, 2010 REPORT OF EXAMINATION OF THE PACIFIC SELECT PROPERTY INSURANCE COMPANY AS OF DECEMBER 31, 2010 Filed March 28, 2012 TABLE OF CONTENTS PAGE SCOPE OF EXAMINATION... 1 SUBSEQUENT EVENTS... 2 COMPANY HISTORY...

More information

REPORT OF EXAMINATION OF THE NATIONS INSURANCE COMPANY AS OF DECEMBER 31, 2011

REPORT OF EXAMINATION OF THE NATIONS INSURANCE COMPANY AS OF DECEMBER 31, 2011 REPORT OF EXAMINATION OF THE NATIONS INSURANCE COMPANY AS OF DECEMBER 31, 2011 Filed April 8, 2013 TABLE OF CONTENTS PAGE SCOPE OF EXAMINATION... 1 MANAGEMENT AND CONTROL:... 2 Management Agreements...

More information

REPORT OF EXAMINATION OF THE LOYA CASUALTY INSURANCE COMPANY AS OF DECEMBER 31, 2012

REPORT OF EXAMINATION OF THE LOYA CASUALTY INSURANCE COMPANY AS OF DECEMBER 31, 2012 REPORT OF EXAMINATION OF THE LOYA CASUALTY INSURANCE COMPANY AS OF DECEMBER 31, 2012 Filed May 13, 2014 TABLE OF CONTENTS PAGE SCOPE OF EXAMINATION... 1 COMPANY HISTORY:... 2 Capitalization... 2 MANAGEMENT

More information

REPORT OF EXAMINATION OF PACIFIC SPECIALTY INSURANCE COMPANY AS OF DECEMBER 31, 2008

REPORT OF EXAMINATION OF PACIFIC SPECIALTY INSURANCE COMPANY AS OF DECEMBER 31, 2008 REPORT OF EXAMINATION OF PACIFIC SPECIALTY INSURANCE COMPANY AS OF DECEMBER 31, 2008 Participating State and Zone: California FILED: May 27th, 2010 TABLE OF CONTENTS PAGE SCOPE OF EXAMINATION... 1 COMPANY

More information

REPORT OF EXAMINATION OF THE CLAREMONT LIABILITY INSURANCE COMPANY AS OF DECEMBER 31, 2013

REPORT OF EXAMINATION OF THE CLAREMONT LIABILITY INSURANCE COMPANY AS OF DECEMBER 31, 2013 REPORT OF EXAMINATION OF THE CLAREMONT LIABILITY INSURANCE COMPANY AS OF DECEMBER 31, 2013 Filed May 18, 2015 TABLE OF CONTENTS PAGE SCOPE OF EXAMINATION... 1 SUBSEQUENT EVENTS... 2 COMPANY HISTORY...

More information

REPORT OF EXAMINATION OF THE WASHINGTON MUTUAL LIFE INSURANCE COMPANY OF CALIFORNIA, A STOCK INSURER AS OF DECEMBER 31, 2005

REPORT OF EXAMINATION OF THE WASHINGTON MUTUAL LIFE INSURANCE COMPANY OF CALIFORNIA, A STOCK INSURER AS OF DECEMBER 31, 2005 REPORT OF EXAMINATION OF THE WASHINGTON MUTUAL LIFE INSURANCE COMPANY OF CALIFORNIA, A STOCK INSURER AS OF DECEMBER 31, 2005 Filed May 15, 2007 TABLE OF CONTENTS PAGE SCOPE OF EXAMINATION... 1 COMPANY

More information

REPORT OF EXAMINATION OF THE ROONEY LIFE INSURANCE COMPANY AS OF DECEMBER 31, 2007

REPORT OF EXAMINATION OF THE ROONEY LIFE INSURANCE COMPANY AS OF DECEMBER 31, 2007 REPORT OF EXAMINATION OF THE ROONEY LIFE INSURANCE COMPANY AS OF DECEMBER 31, 2007 Participating State and Zone: California Filed November 26, 2008 TABLE OF CONTENTS SCOPE OF EXAMINATION... 1 MANAGEMENT

More information

REPORT OF EXAMINATION OF THE CALIFORNIA AUTOMOBILE INSURANCE COMPANY AS OF DECEMBER 31, 2013

REPORT OF EXAMINATION OF THE CALIFORNIA AUTOMOBILE INSURANCE COMPANY AS OF DECEMBER 31, 2013 REPORT OF EXAMINATION OF THE CALIFORNIA AUTOMOBILE INSURANCE COMPANY AS OF DECEMBER 31, 2013 Filed April 13, 2015 TABLE OF CONTENTS Page SCOPE OF EXAMINATION... 1 SUBSEQUENT EVENTS... 2 COMPANY HISTORY:...

More information

REPORT OF EXAMINATION OF THE WESTERN UNITED INSURANCE COMPANY AS OF DECEMBER 31, 2004

REPORT OF EXAMINATION OF THE WESTERN UNITED INSURANCE COMPANY AS OF DECEMBER 31, 2004 REPORT OF EXAMINATION OF THE WESTERN UNITED INSURANCE COMPANY AS OF DECEMBER 31, 2004 Participating State and Zone: California Filed January 12, 2006 TABLE OF CONTENTS PAGE SCOPE OF EXAMINATION... 1 COMPANY

More information

REPORT OF EXAMINATION OF THE DANIELSON NATIONAL INSURANCE COMPANY AS OF DECEMBER 31, 2014

REPORT OF EXAMINATION OF THE DANIELSON NATIONAL INSURANCE COMPANY AS OF DECEMBER 31, 2014 REPORT OF EXAMINATION OF THE DANIELSON NATIONAL INSURANCE COMPANY AS OF DECEMBER 31, 2014 Filed on May 16, 2016 TABLE OF CONTENTS PAGE SCOPE OF EXAMINATION... 1 COMPANY HISTORY... 2 MANAGEMENT AND CONTROL:...

More information

REPORT OF EXAMINATION OF THE BALBOA LIFE INSURANCE COMPANY AS OF DECEMBER 31, 2012

REPORT OF EXAMINATION OF THE BALBOA LIFE INSURANCE COMPANY AS OF DECEMBER 31, 2012 REPORT OF EXAMINATION OF THE BALBOA LIFE INSURANCE COMPANY AS OF DECEMBER 31, 2012 Filed May 22, 2014 TABLE OF CONTENTS PAGE SCOPE OF EXAMINATION... 1 COMPANY HISTORY:... 2 Dividends Paid to Parent...

More information

REPORT OF EXAMINATION OF THE GEOVERA INSURANCE COMPANY AS OF DECEMBER 31, 2010

REPORT OF EXAMINATION OF THE GEOVERA INSURANCE COMPANY AS OF DECEMBER 31, 2010 REPORT OF EXAMINATION OF THE GEOVERA INSURANCE COMPANY AS OF DECEMBER 31, 2010 Filed March 28, 2012 TABLE OF CONTENTS PAGE SCOPE OF EXAMINATION... 1 SUBSEQUENT EVENTS... 2 COMPANY HISTORY... 2 MANAGEMENT

More information

REPORT ON EXAMINATION OF THE AMERICAN SPECIAL RISK INSURANCE COMPANY AS OF DECEMBER 31, 2011

REPORT ON EXAMINATION OF THE AMERICAN SPECIAL RISK INSURANCE COMPANY AS OF DECEMBER 31, 2011 REPORT ON EXAMINATION OF THE AMERICAN SPECIAL RISK INSURANCE COMPANY AS OF DECEMBER 31, 2011 TABLE OF CONTENTS SALUTATION... 1 SCOPE OF EXAMINATION... 1 SUMMARY OF SIGNIFICANT FINDINGS... 3 SUBSEQUENT

More information

REPORT ON EXAMINATION OF THE MELLON LIFE INSURANCE COMPANY AS OF DECEMBER 31, 2012

REPORT ON EXAMINATION OF THE MELLON LIFE INSURANCE COMPANY AS OF DECEMBER 31, 2012 REPORT ON EXAMINATION OF THE MELLON LIFE INSURANCE COMPANY AS OF DECEMBER 31, 2012 TABLE OF CONTENTS SALUTATION... 1 SCOPE OF EXAMINATION... 1 SUMMARY OF SIGNIFICANT FINDINGS... 3 SUBSEQUENT EVENTS...

More information

REPORT OF EXAMINATION OF THE THE WAWANESA MUTUAL INSURANCE COMPANY (U.S. BRANCH) AS OF DECEMBER 31, 2007

REPORT OF EXAMINATION OF THE THE WAWANESA MUTUAL INSURANCE COMPANY (U.S. BRANCH) AS OF DECEMBER 31, 2007 REPORT OF EXAMINATION OF THE THE WAWANESA MUTUAL INSURANCE COMPANY (U.S. BRANCH) AS OF DECEMBER 31, 2007 Filed March 27, 2009 TABLE OF CONTENTS PAGE SCOPE OF EXAMINATION... 1 MANAGEMENT AND CONTROL:...

More information

REPORT OF EXAMINATION OF THE KAISER PERMANENTE INSURANCE COMPANY AS OF DECEMBER 31, 2010

REPORT OF EXAMINATION OF THE KAISER PERMANENTE INSURANCE COMPANY AS OF DECEMBER 31, 2010 REPORT OF EXAMINATION OF THE KAISER PERMANENTE INSURANCE COMPANY AS OF DECEMBER 31, 2010 Filed: May 7, 2012 TABLE OF CONTENTS Page SCOPE OF EXAMINATION... 1 MANAGEMENT AND CONTROL:... 2 Intercompany Agreements...

More information

Best Meridian Insurance Company

Best Meridian Insurance Company Report on Examination of Best Meridian Insurance Company Miami, Florida as of December 31, 2011 Kevin M. McCarty, Commissioner Florida Office of Insurance Regulation Tallahassee, Florida Dear Sir: In accordance

More information

REPORT ON EXAMINATION OF THE MAKE TRANSPORTATION INSURANCE, INC., A RISK RETENTION GROUP AS OF

REPORT ON EXAMINATION OF THE MAKE TRANSPORTATION INSURANCE, INC., A RISK RETENTION GROUP AS OF REPORT ON EXAMINATION OF THE MAKE TRANSPORTATION INSURANCE, INC., A RISK RETENTION GROUP AS OF DECEMBER 31, 2011 TABLE OF CONTENTS SALUTATION... 1 SCOPE OF EXAMINATION... 1 SUMMARY OF SIGNIFICANT FINDINGS...

More information

QUEENSWAY INTERNATIONAL INDEMNITY COMPANY (NOW KNOWN AS NORTH POINTE CASUALTY INSURANCE COMPANY)

QUEENSWAY INTERNATIONAL INDEMNITY COMPANY (NOW KNOWN AS NORTH POINTE CASUALTY INSURANCE COMPANY) REPORT ON EXAMINATION OF QUEENSWAY INTERNATIONAL INDEMNITY COMPANY JACKSONVILLE, FLORIDA (NOW KNOWN AS NORTH POINTE CASUALTY INSURANCE COMPANY) AS OF DECEMBER 31, 2003 BY THE OFFICE OF INSURANCE REGULATION

More information

SOUTH FLORIDA DENTISTS SELF INSURANCE TRUST

SOUTH FLORIDA DENTISTS SELF INSURANCE TRUST REPORT ON EXAMINATION OF SOUTH FLORIDA DENTISTS SELF INSURANCE TRUST MIAMI, FLORIDA AS OF JUNE 30, 2010 BY THE OFFICE OF INSURANCE REGULATION TABLE OF CONTENTS LETTER OF TRANSMITTAL...- SCOPE OF EXAMINATION...

More information

REPORT OF EXAMINATION OF THE RESIDENCE MUTUAL INSURANCE COMPANY AS OF DECEMBER 31, 2014

REPORT OF EXAMINATION OF THE RESIDENCE MUTUAL INSURANCE COMPANY AS OF DECEMBER 31, 2014 REPORT OF EXAMINATION OF THE RESIDENCE MUTUAL INSURANCE COMPANY AS OF DECEMBER 31, 2014 Filed on May 11, 2016 TABLE OF CONTENTS PAGE SCOPE OF EXAMINATION... 1 COMPANY HISTORY... 2 MANAGEMENT AND CONTROL:...

More information

AMERIGROUP Florida, Inc.

AMERIGROUP Florida, Inc. Report on Examination of AMERIGROUP Florida, Inc. (Formerly, Physicians Healthcare Plans, Inc.) Tampa, Florida as of December 31, 2003 By The Office of Insurance Regulation Florida Department of Financial

More information

K.E.L. TITLE INSURANCE GROUP, INC.

K.E.L. TITLE INSURANCE GROUP, INC. REPORT ON EXAMINATION O F K.E.L. TITLE INSURANCE GROUP, INC. ORLANDO, FLORIDA AS OF DECEMBER 31, 2009 BY THE OFFICE OF INSURANCE REGULATION TABLE OF CONTENTS LETTER OF TRANSMITTAL... - SCOPE OF EXAMINATION...

More information

REPORT OF EXAMINATION OF THE GEOVERA SPECIALTY INSURANCE COMPANY AS OF DECEMBER 31, 2010

REPORT OF EXAMINATION OF THE GEOVERA SPECIALTY INSURANCE COMPANY AS OF DECEMBER 31, 2010 REPORT OF EXAMINATION OF THE GEOVERA SPECIALTY INSURANCE COMPANY AS OF DECEMBER 31, 2010 Filed March 28, 2012 TABLE OF CONTENTS PAGE SCOPE OF EXAMINATION... 1 SUBSEQUENT EVENTS... 2 COMPANY HISTORY...

More information

Statutory Basis Financial Statements. Superior Insurance Company. For the six months ended June 30, 2011 with Accountants Compilation Report

Statutory Basis Financial Statements. Superior Insurance Company. For the six months ended June 30, 2011 with Accountants Compilation Report Statutory Basis Financial Statements Superior Insurance Company with Accountants Compilation Report Statutory Basis Financial Statements Contents Accountants Compilation Report...1 Compiled Financial Statements

More information

Intermodal Insurance Company, Inc., A Risk Retention Group GOVERNMENT OF THE DISTRICT OF COLUMBIA DEPARTMENT OF INSURANCE, SECURITIES AND BANKING

Intermodal Insurance Company, Inc., A Risk Retention Group GOVERNMENT OF THE DISTRICT OF COLUMBIA DEPARTMENT OF INSURANCE, SECURITIES AND BANKING GOVERNMENT OF THE DISTRICT OF COLUMBIA DEPARTMENT OF INSURANCE, SECURITIES AND BANKING REPORT ON EXAMINATION Intermodal Insurance Company, Inc., A Risk Retention Group AS OF DECEMBER 31, 2007 NAIC NUMBER

More information

REPORT OF EXAMINATION OF THE CSE SAFEGUARD INSURANCE COMPANY AS OF DECEMBER 31, 2010

REPORT OF EXAMINATION OF THE CSE SAFEGUARD INSURANCE COMPANY AS OF DECEMBER 31, 2010 REPORT OF EXAMINATION OF THE CSE SAFEGUARD INSURANCE COMPANY AS OF DECEMBER 31, 2010 Filed: June 1, 2012 TABLE OF CONTENTS PAGE SCOPE OF EXAMINATION... 1 COMPANY HISTORY... 2 MANAGEMENT AND CONTROL:...

More information

REPORT ON EXAMINATION

REPORT ON EXAMINATION REPORT ON EXAMINATION OF YEL CO. INSURANCE MIAMI, FLORIDA AS OF DECEMBER 31, 2005 BY THE OFFICE OF INSURANCE REGULATION TABLE OF CONTENTS LETTER OF TRANSMITTAL...- SCOPE OF EXAMINATION... 1 STATUS OF ADVERSE

More information

REPORT ON EXAMINATION OF THE PAVONIA LIFE INSURANCE COMPANY OF DELAWARE AS OF

REPORT ON EXAMINATION OF THE PAVONIA LIFE INSURANCE COMPANY OF DELAWARE AS OF REPORT ON EXAMINATION OF THE PAVONIA LIFE INSURANCE COMPANY OF DELAWARE AS OF DECEMBER 31, 2013 TABLE OF CONTENTS SALUTATION... 1 SCOPE OF EXAMINATION... 2 SUMMARY OF SIGNIFICANT FINDINGS... 3 COMPANY

More information

REPORT OF EXAMINATION OF THE GENERAL FIDELITY LIFE INSURANCE COMPANY AS OF DECEMBER 31, 2004

REPORT OF EXAMINATION OF THE GENERAL FIDELITY LIFE INSURANCE COMPANY AS OF DECEMBER 31, 2004 REPORT OF EXAMINATION OF THE GENERAL FIDELITY LIFE INSURANCE COMPANY AS OF DECEMBER 31, 2004 Participating State and Zone: California Filed February 10, 2006 TABLE OF CONTENTS PAGE SCOPE OF EXAMINATION...

More information

FIRST HOME INSURANCE COMPANY

FIRST HOME INSURANCE COMPANY REPORT ON EXAMINATION OF FIRST HOME INSURANCE COMPANY JACKSONVILLE, FLORIDA AS OF DECEMBER 31, 2007 BY THE OFFICE OF INSURANCE REGULATION TABLE OF CONTENTS LETTER OF TRANSMITTAL...1 SCOPE OF EXAMINATION...1

More information

AMERICAN GENERAL PROPERTY INSURANCE COMPANY OF FLORIDA

AMERICAN GENERAL PROPERTY INSURANCE COMPANY OF FLORIDA REPORT ON EXAMINATION OF AMERICAN GENERAL PROPERTY INSURANCE COMPANY OF FLORIDA JACKSONVILLE, FLORIDA AS OF DECEMBER 31, 2008 BY THE OFFICE OF INSURANCE REGULATION TABLE OF CONTENTS LETTER OF TRANSMITTAL...

More information

Fairway Physicians Insurance Company, A Risk Retention Group GOVERNMENT OF THE DISTRICT OF COLUMBIA DEPARTMENT OF INSURANCE, SECURITIES AND BANKING

Fairway Physicians Insurance Company, A Risk Retention Group GOVERNMENT OF THE DISTRICT OF COLUMBIA DEPARTMENT OF INSURANCE, SECURITIES AND BANKING GOVERNMENT OF THE DISTRICT OF COLUMBIA DEPARTMENT OF INSURANCE, SECURITIES AND BANKING REPORT ON EXAMINATION Fairway Physicians Insurance Company, A Risk Retention Group AS OF DECEMBER 31, 2007 NAIC NUMBER

More information

THE RESPONSIVE AUTO INSURANCE COMPANY

THE RESPONSIVE AUTO INSURANCE COMPANY REPORT ON EXAMINATION OF THE RESPONSIVE AUTO INSURANCE COMPANY PLANTATION, FLORIDA AS OF DECEMBER 31, 2008 BY THE OFFICE OF INSURANCE REGULATION TABLE OF CONTENTS LETTER OF TRANSMITTAL...- SCOPE OF EXAMINATION...

More information

ST. JOHNS INSURANCE COMPANY, INC.

ST. JOHNS INSURANCE COMPANY, INC. REPORT ON EXAMINATION OF ST. JOHNS INSURANCE COMPANY, INC. ORLANDO, FLORIDA AS OF DECEMBER 31, 2006 BY THE OFFICE OF INSURANCE REGULATION TABLE OF CONTENTS LETTER OF TRANSMITTAL...- SCOPE OF EXAMINATION...

More information

GOVERNMENT OF THE DISTRICT OF COLUMBIA DEPARTMENT OF INSURANCE, SECURITIES AND BANKING REPORT ON ORGANIZATIONAL EXAMINATION

GOVERNMENT OF THE DISTRICT OF COLUMBIA DEPARTMENT OF INSURANCE, SECURITIES AND BANKING REPORT ON ORGANIZATIONAL EXAMINATION GOVERNMENT OF THE DISTRICT OF COLUMBIA DEPARTMENT OF INSURANCE, SECURITIES AND BANKING REPORT ON ORGANIZATIONAL EXAMINATION GUARDIAN PROPERTY & CASUALTY COMPANY INC. AS OF JUNE 30, 2007 TABLE OF CONTENTS

More information

NATIONAL TITLE INSURANCE COMPANY

NATIONAL TITLE INSURANCE COMPANY REPORT ON EXAMINATION OF NATIONAL TITLE INSURANCE COMPANY MIAMI, FLORIDA AS OF DECEMBER 31, 2002 BY THE OFFICE OF INSURANCE REGULATION TABLE OF CONTENTS LETTER OF TRANSMITTAL...- SCOPE OF EXAMINATION...

More information

AMERICAN FEDERATION INSURANCE COMPANY

AMERICAN FEDERATION INSURANCE COMPANY REPORT ON EXAMINATION OF AMERICAN FEDERATION INSURANCE COMPANY CLEARWATER, FLORIDA AS OF DECEMBER 31, 2003 BY THE OFFICE OF INSURANCE REGULATION TABLE OF CONTENTS LETTER OF TRANSMITTAL... - SCOPE OF EXAMINATION...

More information

GOVERNMENT OF THE DISTRICT OF COLUMBIA DEPARTMENT OF INSURANCE, SECURITIES AND BANKING REPORT ON EXAMINATION COMPANION SPECIALTY INSURANCE COMPANY

GOVERNMENT OF THE DISTRICT OF COLUMBIA DEPARTMENT OF INSURANCE, SECURITIES AND BANKING REPORT ON EXAMINATION COMPANION SPECIALTY INSURANCE COMPANY GOVERNMENT OF THE DISTRICT OF COLUMBIA DEPARTMENT OF INSURANCE, SECURITIES AND BANKING REPORT ON EXAMINATION COMPANION SPECIALTY INSURANCE COMPANY AS OF DECEMBER 31, 2011 NAIC COMPANY CODE 13124 Table

More information

Report of Examination of. Central Mutual Insurance Company Van Wert, Ohio. As of December 31, 2011

Report of Examination of. Central Mutual Insurance Company Van Wert, Ohio. As of December 31, 2011 Report of Examination of Central Mutual Insurance Company Van Wert, Ohio As of December 31, 2011 Table of Contents Subject Page Salutation... 1 Description of Company... 1 Scope of Examination... 1 Management

More information

STATE OF NORTH DAKOTA BISMARCK, NORTH DAKOTA REPORT ON THE ORGANIZATION OF THE DAKOTA CAPITAL LIFE INSURANCE COMPANY BISMARCK, NORTH DAKOTA

STATE OF NORTH DAKOTA BISMARCK, NORTH DAKOTA REPORT ON THE ORGANIZATION OF THE DAKOTA CAPITAL LIFE INSURANCE COMPANY BISMARCK, NORTH DAKOTA STATE OF NORTH DAKOTA BISMARCK, NORTH DAKOTA REPORT ON THE ORGANIZATION OF THE DAKOTA CAPITAL LIFE INSURANCE COMPANY BISMARCK, NORTH DAKOTA AS OF OCTOBER 31, 2011 TABLE OF CONTENTS SCOPE OF EXAMINATION...

More information

MEDSTAR LIABILITY LIMITED INSURANCE COMPANY, INC., A RISK RETENTION GROUP GOVERNMENT OF THE DISTRICT OF COLUMBIA

MEDSTAR LIABILITY LIMITED INSURANCE COMPANY, INC., A RISK RETENTION GROUP GOVERNMENT OF THE DISTRICT OF COLUMBIA GOVERNMENT OF THE DISTRICT OF COLUMBIA DEPARTMENT OF INSURANCE, SECURITIES AND BANKING REPORT ON EXAMINATION MEDSTAR LIABILITY LIMITED INSURANCE COMPANY, INC., A RISK RETENTION GROUP AS OF DECEMBER 31,

More information

FIRST HOME INSURANCE COMPANY

FIRST HOME INSURANCE COMPANY REPORT ON EXAMINATION OF FIRST HOME INSURANCE COMPANY JACKSONVILLE, FLORIDA AS OF DECEMBER 31, 2008 BY THE OFFICE OF INSURANCE REGULATION TABLE OF CONTENTS LETTER OF TRANSMITTAL... - SCOPE OF EXAMINATION...

More information

REPORT OF EXAMINATION OF THE AMERICAN INTERNATIONAL INSURANCE COMPANY OF CALIFORNIA, INC. AS OF DECEMBER 31, 2006

REPORT OF EXAMINATION OF THE AMERICAN INTERNATIONAL INSURANCE COMPANY OF CALIFORNIA, INC. AS OF DECEMBER 31, 2006 REPORT OF EXAMINATION OF THE AMERICAN INTERNATIONAL INSURANCE COMPANY OF CALIFORNIA, INC. AS OF DECEMBER 31, 2006 Filed June 23, 2008 TABLE OF CONTENTS PAGE SCOPE OF EXAMINATION... 1 MANAGEMENT AND CONTROL:...

More information

Fairway Physicians Insurance Company, A Risk Retention Group

Fairway Physicians Insurance Company, A Risk Retention Group GOVERNMENT OF THE DISTRICT OF COLUMBIA DEPARTMENT OF INSURANCE, SECURITIES AND BANKING REPORT ON EXAMINATION Fairway Physicians Insurance Company, A Risk Retention Group AS OF DECEMBER 31, 2012 NAIC NUMBER

More information

REPORT OF EXAMINATION OF THE AURORA NATIONAL LIFE ASSURANCE COMPANY AS OF DECEMBER 31, 2011

REPORT OF EXAMINATION OF THE AURORA NATIONAL LIFE ASSURANCE COMPANY AS OF DECEMBER 31, 2011 REPORT OF EXAMINATION OF THE AURORA NATIONAL LIFE ASSURANCE COMPANY AS OF DECEMBER 31, 2011 Filed June 24, 2013 TABLE OF CONTENTS PAGE SCOPE OF EXAMINATION... 1 SUBSEQUENT EVENTS... 2 COMPANY HISTORY...

More information

AMERICAN VEHICLE INSURANCE COMPANY

AMERICAN VEHICLE INSURANCE COMPANY REPORT ON EXAMINATION OF AMERICAN VEHICLE INSURANCE COMPANY LAUDERDALE LAKES, FLORIDA AS OF DECEMBER 31, 2005 BY THE OFFICE OF INSURANCE REGULATION TABLE OF CONTENTS LETTER OF TRANSMITTAL...- SCOPE OF

More information

Medical Providers Mutual Insurance Company, A Risk Retention Group

Medical Providers Mutual Insurance Company, A Risk Retention Group GOVERNMENT OF THE DISTRICT OF COLUMBIA DEPARTMENT OF INSURANCE, SECURITIES AND BANKING REPORT ON EXAMINATION Medical Providers Mutual Insurance Company, A Risk Retention Group AS OF DECEMBER 31, 2011 NAIC

More information

COMPANION PROPERTY & CASUALTY INSURANCE COMPANY

COMPANION PROPERTY & CASUALTY INSURANCE COMPANY REPORT ON LIMITED SCOPE EXAMINATION OF COMPANION PROPERTY & CASUALTY INSURANCE COMPANY COLUMBIA, SOUTH CAROLINA OF THE Loss and Loss Expenses, Large Deductible Collateral Reserves and Reinsurance As of

More information

Report of Examination of. All America Insurance Company Van Wert, Ohio. As of December 31, 2011

Report of Examination of. All America Insurance Company Van Wert, Ohio. As of December 31, 2011 Report of Examination of All America Insurance Company Van Wert, Ohio As of December 31, 2011 Table of Contents Subject Page Salutation... 1 Description of Company... 1 Scope of Examination... 1 Management

More information

REPORT ON EXAMINATION OF THE DELAWARE PROFESSIONAL INSURANCE COMPANY, RISK RETENTION GROUP AS OF DECEMBER 31, 2010

REPORT ON EXAMINATION OF THE DELAWARE PROFESSIONAL INSURANCE COMPANY, RISK RETENTION GROUP AS OF DECEMBER 31, 2010 REPORT ON EXAMINATION OF THE DELAWARE PROFESSIONAL INSURANCE COMPANY, RISK RETENTION GROUP AS OF DECEMBER 31, 2010 Table of Contents SALUTATION... 1 SCOPE OF EXAMINATION... 2 SUMMARY OF SIGNIFICNAT FINDINGS...

More information

THE RESPONSIVE AUTO INSURANCE COMPANY

THE RESPONSIVE AUTO INSURANCE COMPANY REPORT ON EXAMINATION OF THE RESPONSIVE AUTO INSURANCE COMPANY PLANTATION, FLORIDA AS OF DECEMBER 31, 2010 BY THE OFFICE OF INSURANCE REGULATION TABLE OF CONTENTS LETTER OF TRANSMITTAL...- SCOPE OF EXAMINATION...

More information

MISSISSIPPI INSURANCE DEPARTMENT Report of Examination of MAGNA INSURANCE COMPANY as of December 31, 2013 TABLE OF CONTENTS Examiner Affidavit... 1 Salutation... 2 Scope of Examination... 3 Comments and

More information

MODERN USA INSURANCE COMPANY

MODERN USA INSURANCE COMPANY REPORT ON EXAMINATION OF MODERN USA INSURANCE COMPANY PINELLAS PARK, FLORIDA AS OF DECEMBER 31, 2007 BY THE OFFICE OF INSURANCE REGULATION TABLE OF CONTENTS LETTER OF TRANSMITTAL...- SCOPE OF EXAMINATION...1

More information

REPORT ON EXAMINATION OF THE WESCO INSURANCE COMPANY AS OF

REPORT ON EXAMINATION OF THE WESCO INSURANCE COMPANY AS OF REPORT ON EXAMINATION OF THE WESCO INSURANCE COMPANY AS OF DECEMBER 31, 2011 TABLE OF CONTENTS SALUTATION... 1 SCOPE OF EXAMINATION... 1 SUMMARY OF SIGNIFICANT FINDINGS... 3 SUBSEQUENT EVENTS... 3 COMPANY

More information

Report of Examination of. Harleysville Insurance Company of Ohio Columbus, Ohio. As of December 31, 2009

Report of Examination of. Harleysville Insurance Company of Ohio Columbus, Ohio. As of December 31, 2009 Report of Examination of Harleysville Insurance Company of Ohio Columbus, Ohio As of December 31, 2009 Table of Contents Subject Page Salutation... 1 Description of Company... 1 Scope of Examination...

More information

FIRST FLORIDIAN AUTO AND HOME INSURANCE COMPANY

FIRST FLORIDIAN AUTO AND HOME INSURANCE COMPANY REPORT ON EXAMINATION OF FIRST FLORIDIAN AUTO AND HOME INSURANCE COMPANY TAMPA, FLORIDA AS OF DECEMBER 31, 2010 BY THE OFFICE OF INSURANCE REGULATION TABLE OF CONTENTS LETTER OF TRANSMITTAL...- SCOPE OF

More information

Report of Examination of. OHIC Insurance Company Columbus, Ohio. As of December 31, 2011

Report of Examination of. OHIC Insurance Company Columbus, Ohio. As of December 31, 2011 Report of Examination of OHIC Insurance Company Columbus, Ohio As of December 31, 2011 Table of Contents Subject Page Salutation... 1 Description of Company... 1 Scope of Examination... 1 Management and

More information

PREPARED INSURANCE COMPANY

PREPARED INSURANCE COMPANY REPORT ON EXAMINATION OF PREPARED INSURANCE COMPANY TAMPA, FLORIDA AS OF DECEMBER 31, 2010 BY THE FLORIDA OFFICE OF INSURANCE REGULATION TABLE OF CONTENTS LETTER OF TRANSMITTAL...- SCOPE OF EXAMINATION...

More information

PHYSICIANS INSURANCE COMPANY

PHYSICIANS INSURANCE COMPANY REPORT ON EXAMINATION OF PHYSICIANS INSURANCE COMPANY DEERFIELD BEACH, FLORIDA AS OF DECEMBER 31, 2011 BY THE FLORIDA OFFICE OF INSURANCE REGULATION TABLE OF CONTENTS LETTER OF TRANSMITTAL... - SCOPE OF

More information

KINGSWAY AMIGO INSURANCE COMPANY Formerly known as U.S. SECURITY INSURANCE COMPANY

KINGSWAY AMIGO INSURANCE COMPANY Formerly known as U.S. SECURITY INSURANCE COMPANY REPORT ON EXAMINATION OF KINGSWAY AMIGO INSURANCE COMPANY Formerly known as U.S. SECURITY INSURANCE COMPANY MIAMI, FLORIDA AS OF DECEMBER 31, 2009 BY THE OFFICE OF INSURANCE REGULATION TABLE OF CONTENTS

More information

STATE OF NEBRASKA. Department of Insurance EXAMINATION REPORT. First Landmark Life Insurance Company. as of. December 31, 2014

STATE OF NEBRASKA. Department of Insurance EXAMINATION REPORT. First Landmark Life Insurance Company. as of. December 31, 2014 STATE OF NEBRASKA Department of Insurance EXAMINATION REPORT OF First Landmark Life Insurance Company as of December 31, 2014 TABLE OF CONTENTS Item Page Salutation...1 Introduction...1 Scope of Examination...2

More information

Report of Examination of. American Retirement Life Insurance Company Cincinnati, Ohio. As of December 31, 2011

Report of Examination of. American Retirement Life Insurance Company Cincinnati, Ohio. As of December 31, 2011 Report of Examination of American Retirement Life Insurance Company Cincinnati, Ohio As of December 31, 2011 Table of Contents Subject Page Salutation... 1 Description of Company... 1 Scope of Examination...

More information

AUTO CLUB INSURANCE COMPANY OF FLORIDA

AUTO CLUB INSURANCE COMPANY OF FLORIDA REPORT ON EXAMINATION OF AUTO CLUB INSURANCE COMPANY OF FLORIDA TAMPA, FLORIDA AS OF DECEMBER 31, 2008 BY THE OFFICE OF INSURANCE REGULATION TABLE OF CONTENTS LETTER OF TRANSMITTAL... - SCOPE OF EXAMINATION...

More information

Great Atlantic Life Insurance Company

Great Atlantic Life Insurance Company Report on Examination of Great Atlantic Life Insurance Company West Palm Beach, Florida As Of December 31, 2002 By The Office of Insurance Regulation Florida Department of Financial Services CONTENTS SCOPE

More information

REPORT ON EXAMINATION OF THE SOMPO JAPAN FIRE AND MARINE INSURANCE COMPANY OF AMERICA AS OF DECEMBER 31, 2012

REPORT ON EXAMINATION OF THE SOMPO JAPAN FIRE AND MARINE INSURANCE COMPANY OF AMERICA AS OF DECEMBER 31, 2012 REPORT ON EXAMINATION OF THE SOMPO JAPAN FIRE AND MARINE INSURANCE COMPANY OF AMERICA AS OF DECEMBER 31, 2012 DATE OF REPORT APRIL 23, 2014 EXAMINER HAILS TAYLOR, CFE TABLE OF CONTENTS ITEM NO. PAGE NO.

More information

STATE OF NEW YORK INSURANCE DEPARTMENT REPORT ON EXAMINATION OF THE FIRST ING LIFE INSURANCE COMPANY OF NEW YORK AS OF DECEMBER 31, 2000

STATE OF NEW YORK INSURANCE DEPARTMENT REPORT ON EXAMINATION OF THE FIRST ING LIFE INSURANCE COMPANY OF NEW YORK AS OF DECEMBER 31, 2000 STATE OF NEW YORK INSURANCE DEPARTMENT REPORT ON EXAMINATION OF THE FIRST ING LIFE INSURANCE COMPANY OF NEW YORK AS OF DECEMBER 31, 2000 DATE OF REPORT: OCTOBER 26, 2001 EXAMINER: KENNETH WEITZ TABLE OF

More information

REPORT ON EXAMINATION AVATAR PROPERTY & CASUALTY INSURANCE COMPANY TAMPA, FLORIDA AS OF DECEMBER 31, 2010

REPORT ON EXAMINATION AVATAR PROPERTY & CASUALTY INSURANCE COMPANY TAMPA, FLORIDA AS OF DECEMBER 31, 2010 REPORT ON EXAMINATION OF AVATAR PROPERTY & CASUALTY INSURANCE COMPANY TAMPA, FLORIDA AS OF DECEMBER 31, 2010 BY THE OFFICE OF INSURANCE REGULATION TABLE OF CONTENTS LETTER OF TRANSMITTAL...- SCOPE OF EXAMINATION...

More information

ORGANIZATIONAL EXAMINATION DL REINSURANCE COMPANY AS OF DECEMBER 10, 2014

ORGANIZATIONAL EXAMINATION DL REINSURANCE COMPANY AS OF DECEMBER 10, 2014 ORGANIZATIONAL EXAMINATION OF DL REINSURANCE COMPANY AS OF DECEMBER 10, 2014 TABLE OF CONTENTS SALUTATION... 1 SCOPE OF EXAMINATION... 2 HISTORY... 2 MANAGEMENT AND CONTROL... 2 HOLDING COMPANY SYSTEM...

More information

HEALTHEASE OF FLORIDA, INC.

HEALTHEASE OF FLORIDA, INC. Report on Examination of HEALTHEASE OF FLORIDA, INC. Tampa, Florida as of December 31, 2003 By The State of Florida Office of Insurance Regulation CONTENTS SCOPE OF EXAMINATION...1 STATUS OF ADVERSE FINDINGS

More information

Scaffold Industry Insurance Company Risk Retention Group, Inc. GOVERNMENT OF THE DISTRICT OF COLUMBIA DEPARTMENT OF INSURANCE, SECURITIES AND BANKING

Scaffold Industry Insurance Company Risk Retention Group, Inc. GOVERNMENT OF THE DISTRICT OF COLUMBIA DEPARTMENT OF INSURANCE, SECURITIES AND BANKING GOVERNMENT OF THE DISTRICT OF COLUMBIA DEPARTMENT OF INSURANCE, SECURITIES AND BANKING REPORT ON EXAMINATION Scaffold Industry Insurance Company Risk Retention Group, Inc. AS OF DECEMBER 31, 2009 NAIC

More information

HEALTH CARE INDUSTRY LIABILITY RECIPROCAL INSURANCE COMPANY, A RISK RETENTION GROUP GOVERNMENT OF THE DISTRICT OF COLUMBIA

HEALTH CARE INDUSTRY LIABILITY RECIPROCAL INSURANCE COMPANY, A RISK RETENTION GROUP GOVERNMENT OF THE DISTRICT OF COLUMBIA GOVERNMENT OF THE DISTRICT OF COLUMBIA DEPARTMENT OF INSURANCE, SECURITIES AND BANKING REPORT ON EXAMINATION HEALTH CARE INDUSTRY LIABILITY RECIPROCAL INSURANCE COMPANY, A RISK RETENTION GROUP AS OF DECEMBER

More information

Report of Examination of. Citizens Insurance Company of Ohio Columbus, Ohio. As of December 31, 2011

Report of Examination of. Citizens Insurance Company of Ohio Columbus, Ohio. As of December 31, 2011 Report of Examination of Citizens Insurance Company of Ohio Columbus, Ohio As of December 31, 2011 Table of Contents Subject Page Salutation... 1 Description of Company... 1 Scope of Examination... 1 Management

More information

Report of Examination of. WellCare of Ohio, Inc. Independence, Ohio. As of December 31, 2011

Report of Examination of. WellCare of Ohio, Inc. Independence, Ohio. As of December 31, 2011 Report of Examination of WellCare of Ohio, Inc. Independence, Ohio As of December 31, 2011 Table of Contents Subject Page Salutation... 1 Description of Company... 1 Scope of Examination... 1 Management

More information

REPORT OF MEDICAL LOSS RATIO EXAMINATION OF THE CONNECTICUT GENERAL LIFE INSURANCE COMPANY AS OF DECEMBER 31, 2011

REPORT OF MEDICAL LOSS RATIO EXAMINATION OF THE CONNECTICUT GENERAL LIFE INSURANCE COMPANY AS OF DECEMBER 31, 2011 REPORT OF MEDICAL LOSS RATIO EXAMINATION OF THE CONNECTICUT GENERAL LIFE INSURANCE COMPANY AS OF DECEMBER 31, 2011 Filed June 20, 2014 TABLE OF CONTENTS PAGE SCOPE OF EXAMINATION... 1 SUBSEQUENT EVENTS...

More information

SOUTH FLORIDA DENTISTS SELF INSURANCE TRUST

SOUTH FLORIDA DENTISTS SELF INSURANCE TRUST REPORT ON EXAMINATION OF SOUTH FLORIDA DENTISTS SELF INSURANCE TRUST MIAMI, FLORIDA AS OF JUNE 30, 2002 BY THE OFFICE OF INSURANCE REGULATION TABLE OF CONTENTS LETTER OF TRANSMITTAL... - SCOPE OF EXAMINATION...

More information

ORGANIZATIONAL EXAMINATION KNIGHT SPECIALTY INSURANCE COMPANY AS OF OCTOBER 18, 2013

ORGANIZATIONAL EXAMINATION KNIGHT SPECIALTY INSURANCE COMPANY AS OF OCTOBER 18, 2013 ORGANIZATIONAL EXAMINATION OF KNIGHT SPECIALTY INSURANCE COMPANY AS OF OCTOBER 18, 2013 TABLE OF CONTENTS SALUTATION 1 SCOPE OF EXAMINATION 2 HISTORY 2 MANAGEMENT AND CONTROL 2 FIDELITY BOND COVERAGE

More information

STATE OF NEBRASKA. Department of Insurance EXAMINATION REPORT USAA DIRECT LIFE INSURANCE COMPANY. as of. December 31, 2011

STATE OF NEBRASKA. Department of Insurance EXAMINATION REPORT USAA DIRECT LIFE INSURANCE COMPANY. as of. December 31, 2011 STATE OF NEBRASKA Department of Insurance EXAMINATION REPORT OF USAA DIRECT LIFE INSURANCE COMPANY as of December 31, 2011 TABLE OF CONTENTS Item Page Salutation...1 Introduction...2 Scope of Examination...2

More information

EXAMINATION REPORT. ASSOCIATION INSURANCE COMPANY (nka AMERICAN BUILDERS INSURANCE COMPANY) AS OF DECEMBER 31, 2014

EXAMINATION REPORT. ASSOCIATION INSURANCE COMPANY (nka AMERICAN BUILDERS INSURANCE COMPANY) AS OF DECEMBER 31, 2014 EXAMINATION REPORT OF ASSOCIATION INSURANCE COMPANY (nka AMERICAN BUILDERS INSURANCE COMPANY) AS OF DECEMBER 31, 2014 i TABLE OF CONTENTS SALUTATION... 1 SCOPE OF EXAMINATION... 1 SUMMARY OF SIGNIFICANT

More information

REPORT OF EXAMINATION OF THE LANDMARK INSURANCE COMPANY AS OF DECEMBER 31, 2010

REPORT OF EXAMINATION OF THE LANDMARK INSURANCE COMPANY AS OF DECEMBER 31, 2010 REPORT OF EXAMINATION OF THE LANDMARK INSURANCE COMPANY AS OF DECEMBER 31, 2010 Filed June 27, 2012 TABLE OF CONTENTS SCOPE OF EXAMINATION... 1 SUBSEQUENT EVENTS... 3 COMPANY HISTORY... 3 Capitalization...

More information

FCCI COMMERCIAL INSURANCE COMPANY

FCCI COMMERCIAL INSURANCE COMPANY REPORT ON EXAMINATION OF FCCI COMMERCIAL INSURANCE COMPANY SARASOTA, FLORIDA AS OF DECEMBER 31, 2010 BY THE OFFICE OF INSURANCE REGULATION TABLE OF CONTENTS LETTER OF TRANSMITTAL...- SCOPE OF EXAMINATION...

More information

REPORT OF EXAMINATION OF THE CALIFORNIA CASUALTY & FIRE INSURANCE COMPANY AS OF DECEMBER 31, 2013

REPORT OF EXAMINATION OF THE CALIFORNIA CASUALTY & FIRE INSURANCE COMPANY AS OF DECEMBER 31, 2013 REPORT OF EXAMINATION OF THE CALIFORNIA CASUALTY & FIRE INSURANCE COMPANY AS OF DECEMBER 31, 2013 Filed January 5, 2015 TABLE OF CONTENTS PAGE SCOPE OF EXAMINATION... 1 MANAGEMENT AND CONTROL:... 2 Intercompany

More information

UNITED AUTOMOBILE INSURANCE COMPANY

UNITED AUTOMOBILE INSURANCE COMPANY REPORT ON EXAMINATION OF UNITED AUTOMOBILE INSURANCE COMPANY NORTH MIAMI BEACH, FLORIDA AS OF JUNE 30, 2003 BY THE OFFICE OF INSURANCE REGULATION TABLE OF CONTENTS LETTER OF TRANSMITTAL... - SCOPE OF EXAMINATION...

More information

UNIVERSAL SPECIALTY INSURANCE COMPANY

UNIVERSAL SPECIALTY INSURANCE COMPANY REPORT ON EXAMINATION OF UNIVERSAL SPECIALTY INSURANCE COMPANY SARASOTA, FLORIDA AS OF DECEMBER 31, 2009 BY THE OFFICE OF INSURANCE REGULATION TABLE OF CONTENTS LETTER OF TRANSMITTAL... - SCOPE OF EXAMINATION...

More information

REPORT ON EXAMINATION OF THE INDEPENDENCE LIFE AND ANNUITY COMPANY AS OF

REPORT ON EXAMINATION OF THE INDEPENDENCE LIFE AND ANNUITY COMPANY AS OF REPORT ON EXAMINATION OF THE INDEPENDENCE LIFE AND ANNUITY COMPANY AS OF DECEMBER 31, 2012 TABLE OF CONTENTS SCOPE OF EXAMINATION... 1 SUMMARY OF SIGNIFICANT FINDINGS... 3 COMPLIANCE WITH PRIOR REPORT

More information

PROBUILDERS SPECIALTY INSURANCE COMPANY, RRG GOVERNMENT OF THE DISTRICT OF COLUMBIA DEPARTMENT OF INSURANCE, SECURITIES AND BANKING

PROBUILDERS SPECIALTY INSURANCE COMPANY, RRG GOVERNMENT OF THE DISTRICT OF COLUMBIA DEPARTMENT OF INSURANCE, SECURITIES AND BANKING GOVERNMENT OF THE DISTRICT OF COLUMBIA DEPARTMENT OF INSURANCE, SECURITIES AND BANKING REPORT ON EXAMINATION PROBUILDERS SPECIALTY INSURANCE COMPANY, RRG AS OF DECEMBER 31, 2013 NAIC COMPANY CODE 11671

More information

REPORT ON EXAMINATION OF THE ATLANTA INTERNATIONAL INSURANCE COMPANY AS OF DECEMBER 31, 2011

REPORT ON EXAMINATION OF THE ATLANTA INTERNATIONAL INSURANCE COMPANY AS OF DECEMBER 31, 2011 REPORT ON EXAMINATION OF THE ATLANTA INTERNATIONAL INSURANCE COMPANY AS OF DECEMBER 31, 2011 DATE OF REPORT APRIL 5, 2013 EXAMINER ADEBOLA AWOFESO TABLE OF CONTENTS ITEM NO. PAGE NO. 1 Scope of examination

More information

HEALTHCARE UNDERWRITERS GROUP OF FLORIDA

HEALTHCARE UNDERWRITERS GROUP OF FLORIDA REPORT ON EXAMINATION OF HEALTHCARE UNDERWRITERS GROUP OF FLORIDA DANIA, FLORIDA AS OF DECEMBER 31, 2005 BY THE OFFICE OF INSURANCE REGULATION TABLE OF CONTENTS LETTER OF TRANSMITTAL...- SCOPE OF EXAMINATION...

More information

PEACHTREE CASUALTY INSURANCE COMPANY

PEACHTREE CASUALTY INSURANCE COMPANY REPORT ON EXAMINATION OF PEACHTREE CASUALTY INSURANCE COMPANY LONGWOOD, FLORIDA AS OF DECEMBER 31, 2003 BY THE OFFICE OF INSURANCE REGULATION TABLE OF CONTENTS LETTER OF TRANSMITTAL...- SCOPE OF EXAMINATION...

More information

PEOPLE S TRUST INSURANCE COMPANY

PEOPLE S TRUST INSURANCE COMPANY REPORT ON EXAMINATION OF PEOPLE S TRUST INSURANCE COMPANY BOCA RATON, FLORIDA AS OF DECEMBER 31, 2008 BY THE OFFICE OF INSURANCE REGULATION TABLE OF CONTENTS LETTER OF TRANSMITTAL... - SCOPE OF EXAMINATION...

More information

REPORT ON EXAMINATION OF THE CONSTITUTION INSURANCE COMPANY AS OF DECEMBER 31, 2011

REPORT ON EXAMINATION OF THE CONSTITUTION INSURANCE COMPANY AS OF DECEMBER 31, 2011 REPORT ON EXAMINATION OF THE CONSTITUTION INSURANCE COMPANY AS OF DECEMBER 31, 2011 DATE OF REPORT APRIL 30, 2013 EXAMINER RYAN HAVICK, CFE TABLE OF CONTENTS ITEM NO. PAGE NO. 1 Scope of examination 2

More information

Southern Security Life Insurance Company

Southern Security Life Insurance Company Report on Examination of Southern Security Life Insurance Company Lake Mary, Florida as of December 31, 2004 By The State of Florida Office of Insurance Regulation CONTENTS SCOPE OF EXAMINATION... 1 STATUS

More information